This is a classic lie, and it's a tricky one. The accident needs to be bad, but not too bad. Pro tip: make sure to mention the police have to talk to you for a while.
Anyone this crazy brand loyal is guaranteed to not get another date. This little white lie is best if this prospective date hasn't known you for a while.
I just remembered something awkward I did in middle school.
Woe is the person who goes through old photos before a date. Really play up the emo regret for this phone call. Have some Smiths playing in the background for added effect.